🏦Bank Scorer

LIBERTY BANK

POULSBO, WA · Supervised by FDIC

Est. 2009FDIC #58,778RSSD: FDIC-58778
Part ofLIBERTY NORTHWEST BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.24%

Institution Profile

FDIC BankFind

Address

20150 7th Ave Ne, POULSBO, WA

County

Kitsap County

Established

June 11, 2009

Total Assets

$200M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$200M

Total Deposits

$164M

Net Loans

$158M

Net Income

$121K

ROA

0.24%

ROE

2.77%

Risk-Based Capital

14.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.97%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$157M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243,37478.07%10.97%
20233,52276.94%11.39%
20223,68475.08%12.16%
20214,00777.56%9.26%
20204,25174.01%10.54%
20193,00472.37%15.01%
20182,74867.21%20.20%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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